From January 1, 2025, Virginia raised its minimum car insurance liability limits. The new law applies to policies issued or renewed on or after that date, and it was the final step of a three-year increase.
Thank you for reading this post, don't forget to subscribe!The new minimums
- $50,000 for bodily injury or death per person (up from $30,000)
- $100,000 for bodily injury or death per accident (up from $60,000)
- $25,000 for property damage per accident (up from $20,000)
Uninsured motorist cover
Virginia law also requires uninsured and underinsured motorist coverage, and those minimums follow the new liability limits. Since July 1, 2024, drivers have no longer been able to pay a fee instead of carrying insurance.
What drivers should check
Drivers who have not reviewed their policy since the change should check their declarations page to see whether their limits meet the new minimums. Premiums may rise at renewal. These are the minimum legal limits; many insurers offer higher limits.
Editor’s note: an earlier version of this article gave the new per-person minimum as $60,000, which was incorrect, and included general advice that was not sourced. The article has been corrected and rewritten to report the law and its sources.
Sources
- Rutter Mills, Virginia’s new insurance requirements: https://ruttermills.com/resource/car-accident-info/virginias-new-insurance-requirements
- Bankrate, Virginia car insurance law change: https://www.bankrate.com/insurance/car/virginia-car-insurance-law-change
- WY Daily, Virginia insurance minimums raised to $50,000 in the new year (14 January 2025): https://wydaily.com/business/spotlight/2025/01/14/virginia-insurance-minimums-raised-to-50000-in-the-new-year/
- CVille Right Now, Virginia to increase minimum auto insurance limits (January 2025): https://cvillerightnow.com/?p=19066
- Gentry Locke, Virginia auto insurance changes: https://www.gentrylocke.com/?p=27376